Save smart. Save USD. Earn high interest.

e-FCD Account (Electronic Foreign Currency Deposit)
Save in USD and earn up to 3% p.a.* special interest!
Deposit in 7 major currencies: USD, GBP, EUR, SGD, CNY, JPY and HKD


Key benefits of e-FCD account (Electronic Foreign Currency Deposit)

Earn up to 3% p.a.* special interest! 

Special! No account maintenance fees.** Open an account with no minimum deposit and no fixed deposit required.

Enjoy the best rates, 
save instantly.

Excahge 5 foreign currencies with exclusive rates.

Convenient & easy-all 
in one app.

Open an account and manage foreign currency transactions anywhere via the SCB EASY App.

Maximize investments, 
seize more profits.

Invest in global mutual funds and trade, save, or purchase gold with Hua Seng Heng.


How to open the account

Easily open e-FCD Account (Electronic Foreign Currency Deposit) via the SCB EASY App.

 

e-FCD Account Details

  • Service Type: Electronic Foreign Currency Deposit (e-FCD) Savings Account.
  • Earn up to 3% p.a.* interest in USD, exclusively from October 1 - December 31, 2025.
  • Accepted Currencies: US Dollar (USD), Pound Sterling (GBP), Euro (EUR), Singapore Dollar (SGD), Yuan (CNY), Japanese Yen (JPY) and Hong Kong Dollar (HKD).
  • How to Open: Open an account and manage transactions conveniently via the SCB EASY App.
  • Account maintenance fees will be waived for e-FCD accounts as follows:
    • e-FCD accounts in USD, GBP, EUR, SGD, and CNY: Effective February 28, 2025, until further notice.
    • e-FCD accounts in JPY and HKD: Effective October 17, 2025, until further notice.
 CURRENCIES  DEPOSIT AMOUNT Special Interest Rate*
(October 1 - December 31, 2025)
USDUp to USD 10,0000.15%
Over USD 10,000 USD - 100,0003.00%
Over USD 100,0002.50%
GBPNo limit0.20%
EUR0.00%
CNY0.35%
SGD0.00%
JPY0.00%
HKD0.00%

Know Before You Save! e-FCD accounts are subject to foreign exchange rate risk.

Notes:

  • *Special USD deposit interest rate up to 3.00% p.a. for deposits made from October 1 - December 31, 2025, as follows:
    • Amounts up to USD 10,000: 0.15% p.a.
    • Amounts over USD 10,000 to USD 100,000: special interest at 2.85% p.a., totaling 3.00% p.a.
    • Amounts over USD 100,000: 2.50% p.a.
  • From January 1, 2026, a standard interest rate of 0.15% p.a. will apply, regardless of the deposit amount.
  • Average interest rates are between 0.15%- 3.00% p.a., depending on the deposit amount.
  • Deposit interest rates for e-FCD accounts in GBP, EUR, SGD, CNY, JPY and HKD vary by currency, as per SCB’s official announcements. Please visit SCB's website for more details.
  • **Account maintenance fees will be waived for e-FCD accounts as follows:
    • e-FCD accounts in USD, GBP, EUR, SGD, and CNY: Effective February 28, 2025, until further notice.
    • e-FCD accounts in JPY and HKD: Effective October 17, 2025, until further notice.
  • SCB reserves the right to revise deposit interest rates and applicable conditions as per its official announcements.
  • Deposits and withdrawals in e-FCD accounts are subject to foreign exchange rate risks. Customers are advised to carefully review the product details and terms before making a decision.
  • e-FCD accounts cannot be used for deposits, withdrawals, or any transactions intended for foreign exchange speculation.
  • e-FCD accounts must adhere to the criteria established by the Bank of Thailand.

USD TERM FUND

  • This fund carries risks associated with foreign investments and does not fully hedge against exchange rate fluctuations. Investors may incur losses or gains from exchange rate and may receive less than their initial investment.
  • Investing in mutual funds is not equivalent to depositing money and involves investment risks. Investors may not receive the full amount of their initial investment.
  • Investors cannot redeem fund units within 3 or 6 months, depending on the fund’s conditions. If adverse factors affect the investment, investors may suffer significant losses.
  • If the fund cannot invest as planned due to market changes, the advertised return may not be achieved.
  • Investment involves risks. Investors should understand the product features, return conditions, and associated risks before making investment decisions.
  • For more information about the fund, please refer to the fund prospectus available at www.scbam.com or via the SCB EASY app.
  • Deposits/withdrawals in e-FCD / FCD accounts are subject to foreign exchange risk. Please review the product’s important information and terms and conditions before making a decision.
  • e-FCD / FCD accounts must comply with the Bank of Thailand’s regulations.
  • For inquiries, contact the SCB Call Center at 02-777-7777.

 

 

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